Hippo Homeowners Insurance vs. Guardian Disability Insurance

Side-by-side comparison · Updated 2026 · Independently reviewed

Hippo Insurance logo
Hippo Homeowners Insurance
Hippo Insurance
4.1

Modern home-first coverage. Free smart home sensors. 2x electronics coverage.

Full review →
Guardian Life logo
Guardian Disability Insurance
Guardian Life
4.5

All 50 states. A++ rated. Group + individual policies. Long-term specialist.

Full review →
WealthSpott Verdict

Guardian Disability Insurance wins on more measurable categories. Hippo Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.

Feature
Hippo Homeowners Insurance
Guardian Disability Insurance
WealthSpott Rating
4.1 / 5
4.5 / 5 Best
Coverage Type
Home Insurance
Disability Insurance
Avg Annual Premium
—
—
AM Best Rating
A
—
J.D. Power Score
—
—
Mobile App Rating
—
—
Hippo Homeowners Insurance
Full review
Guardian Disability Insurance
Pros
  • Available in all 50 states
  • A++ AM Best financial strength
  • Group and individual policies available
Cons
  • Application process can be slow
  • Premiums above average for individual plans
Full review

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